Small Business Owners: Turn Your Hard Work Into a Bright Future

As a Small Business Owner, You Wear Many Hats

It’s easy to overlook retirement planning when you’re focused on growth and success. At Retire Wise, we’re here to help ensure your hard work pays off with a retirement plan tailored to support both your business, your employees and your dreams.

Your Journey is Our Priority

Whether you’re a solo owner or leading a growing team, we help you plan for retirement on your terms while optimizing your tax savings. Our personalized approach integrates thoughtful tax-reduction strategies with the setup of tax-advantaged accounts, employee benefits and business transition planning, so we can help you keep more of what you earn.

How We Help

Custom Retirement Plans to Match Your Business Goals

We help small business owners evaluate and implement retirement strategies that align with their business structure, cash flow and long-term goals. Whether you’re just starting out or looking to expand, we’ve got strategies to help you and your team save for the future. Our retirement options include:

SIMPLE IRA: An efficient retirement option for businesses with fewer than 100 employees. Employees can save through payroll deductions, while employers make mandatory contributions. It’s an affordable way to offer benefits with minimal administrative effort.
SEP IRA: A straightforward and flexible retirement option for self-employed individuals or small business owners. Employers make tax-deductible contributions with higher savings limits than traditional IRAs, making it a great choice for maximizing retirement savings.
Solo 401(k): Ideal for self-employed individuals or business owners without a full-time staff. This plan offers high contribution limits, allowing you to save as both employer and employee, giving you greater flexibility and control.
Traditional 401(k): A popular retirement plan option for growing businesses. Employees can save through payroll contributions, and employers have the option to match these contributions or offer profit-sharing plans. This plan helps attract and retain top talent while fostering long-term financial growth for your team.

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Support for You and Your Team

A strong retirement plan benefits not only the business owner but also the employees who drive your success. We work with you to ensure your team understands, values and confidently uses their retirement benefits.

Our process includes delivering a written, customized plan that aligns with your business structure and long-term vision, giving everyone a clear roadmap forward. Our services include:

Retirement Planning Support
We provide guidance to help your employees make informed decisions about their savings and future objectives.
Ongoing Plan Support
As your business evolves, we manage plan changes, contributions and inquiries to help reduce your administrative burden.
Employee Wellness Programs
As your company grows, we provide ongoing education for new and existing team members.

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Exit Planning Assistance

Your business is one of your most valuable assets. A strategic exit plan helps ensure its value is integrated into your long-term financial and retirement goals. We can help with:

Exit Timing & Transition Considerations
We’ll help you navigate the complexities of timing your exit, considering factors such as market conditions, potential buyers and your personal goals.
Business Valuation & Finances
We’ll help you determine the true value of your business and how it fits into your broader financial plan. We’ll help ensure the proceeds from your business move you closer toward your goals.
Tax-Savvy Considerations
We’ll help you explore strategies to help reduce tax liabilities during the sale or transition of your business and retain more of the wealth you’ve built, so you can focus on your future.

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Did You Know?

The Secure Act 2.0 introduced new opportunities for small business owners to enhance retirement savings for themselves and their employees. It’s easier and more affordable than ever to start a retirement plan, and we can help you find and implement tax strategies and plan options designed to fit the unique needs of your business.

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